Maine Car Insurance Requirements

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Required car insurance in Maine

Compared to other states, Maine requires a lot of car insurance: You must buy liability, uninsured/underinsured motorist coverage and MedPay. The minimum required liability insurance, below, is also high compared to other states.

Minimum liability insurance in Maine:

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $25,000 property damage per accident

This is often written as 50/100/25.

Minimum uninsured/underinsured motorist (UM/UIM) coverage:

UM and UIM coverage pays your medical bills if you're hit by a driver with no car insurance or not enough.

  • Maine requires UM/UIM limits of at least 50/100 (meaning $50,000 per person/$100,000 per accident).

Medical payments (MedPay) coverage:

  • Maine also requires MedPay, a coverage that pays medical bills and funeral costs for you or your passengers no matter who caused the accident.

Optional auto insurance in Maine

Comprehensive coverage: For theft of your vehicle or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions.

Collision coverage: For damage to your vehicle caused by hitting another car or an object, like a tree.

Rental reimbursement: Pays for a rental car if your car is being repaired due to a car accident.

You must show your auto insurance ID card (or other proof of financial responsibility) in Maine when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your vehicle is involved in a car accident

Penalties for not having Maine car insurance

  • Fine of $100-$500 along with possible suspension of license, registration, or both. Right to apply for a license or registration may be revoked.

Source: Property Casualty Insurers Association of America

Complaints against the largest car insurance companies in Maine

Each state's department of insurance collects complaints against insurance companies. A national "complaint ratio" number shows the level of complaints against a company relative to the insurer's size of business. Here are ratios for large car insurance companies in Maine.

Maine auto insurance complaints comparison

Updated June 12, 2018

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